Travel insurance
Worldwide family travel insurance is available under the Group Insurance Scheme for member, spouse/co-habiting partner and dependant children and grandchildren under the age of 23, in full-time education and residing with the member.*
Providing annual multi-trip cover for worldwide travel, up to 31 days in any one trip. Winter Sports and scuba diving to 40m (providing the member holds a recognised diving qualification) are included along with a wide range of other activities. Cover for natural disasters such as volcanic eruption, earthquake, tsunami, flood etc is also included.
If you would like to join the Group Insurance Scheme, please complete the application form on the Group Insurance Scheme documents page and return it to us as soon as possible. Cover commences once a premium has been deducted from your pay.
Premiums and benefits change at retirement and again at age 65. Cover ceases at age 75.
*Policy limits and exclusions may apply, please see policy wording for full terms and conditions.
Travel to the Schengen area - important notice
From 12 October 2025, the European Union’s (EU) new Entry/Exit System (EES) began. This is a new digital border system that will change requirements for British citizens travelling to the Schengen area. The countries in the Schengen area are: Austria, Belgium, Bulgaria, Croatia, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and Switzerland
If you are travelling to a country in the Schengen area for a short stay using a UK passport, you will be required to register your biometric details, such as fingerprints and a photo, when you arrive. You do not need to take any action before you arrive at the border, and there is no cost for EES registration. After it is fully implemented, EES registration will replace the current system of manually stamping passports when visitors arrive in the EU.
You may also be asked to provide proof of your travel insurance. As this is a group policy rather than a personal policy, the travel insurance policy wording does not include any of your personal details. Gallagher can supply a letter to you via email along with your current travel policy documents as proof of insurance. If you would like to receive a letter as proof of insurance for an upcoming trip, please provide the below information to Gallagher via email.
- The name of your Police Federation
- Full names of everyone travelling covered by your policy (including their relationship to you and ages, if applicable)
- Departure date, return date and destination(s) for your trip
- Your home address
- Your collar number (if applicable).
Your policy wording
Your policy wording is available to download for both the Group Insurance Scheme and stand alone (existing Members only) from the Group Insurance Scheme Documents page.
This is your contract of insurance and you must ensure that you have read and understood the terms and conditions and that the cover meets your needs.
Travel claims
Emergency Assistance Provider: Healix Assistance
Telephone: +44 (0) 20 8049 8301
Email: EverestRe@healix.com
All other claim situations:
Telephone:
Ireland claims number: +353 (0)1 261 2122
UK claims number: +44 (0)14 1240 1912
Email: everestre@ie.sedgwick.com
To make a claim online visit: https://intake.sedgwick.com/u/EverestRE/EverestTravelClaims
Pre-existing medical conditions
This policy does not provide cover for claims arising from pre-existing medical conditions for:
1. Claims made under Section B – Medical and Other Expenses as a result of:
a. Your certification as unfit to travel by a medical practitioner;
b. Your travel for the purpose of receiving medical treatment, vaccination, medical check-up, care or advice, regardless of whether or not this is the sole or main purpose of the trip;
c. Your travel after receiving a terminal prognosis;
d. Your purchase of prescription medicines for a pre-existing medical condition; or
2. Claims made under Section C1.1 – Cancellation, Curtailment and Amendment as a result of:a. Your certification as unfit to travel by a medical practitioner;
b. Your inclusion on a waiting list the inpatient treatment;
c. Your travel for the purpose of receiving medical treatment, vaccination, medical check-up, care or advice, regardless of whether or not this is the sole or main purpose of the trip;
d. Your travel after receiving a terminal prognosis;
e. You, your close relative, your travelling companion or their close relative’s pre-existing medical condition which we determine could have reasonably been foreseen as likely to give rise to a claim; or
3. Claims made under Section G1.2b Winter Sports Injury and Illness as a result of:
a. An illness you were aware of prior to you travelling for the trip; or
b. Travelling against the advice of a medical practitioner.
West Midlands Police Federation is an Appointed Representative of Arthur J. Gallagher Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 55 Blythswood Street, Glasgow G2 7AT. Registered in Scotland. Company Number: SC108909
